Swine Flu, or influenza A (H1N1) – Travel Insurance General Information from 24/7 travel insurance

This is general advice. Please check the wording of your 24/7 travel insurance policy for full details.

Travel arrangements

Mexico – The Foreign and Commonwealth Office (FCO) is advising against all but essential travel to Mexico. If you’d like more travel advice for specific countries, follow the link below to the FCO website http://www.fco.gov.uk/en/travelling-and-living-overseas/travel-advice-by-country/

If you are currently in Mexico, routine Consular and all visa services at the Embassy in Mexico City have been suspended until further notice. If you have an urgent consular issue, call the British Embassy on (01 55) 5242 8500 for help.

Most airlines and tour operators have now cancelled flights & holidays to Mexico and made plans to bring some tourists already in Mexico back to the UK. Many tour operators are offering customers alternative holiday destinations, a move of trip dates or a refund.

Customers who have booked a holiday should call their travel agent or tour operator to discuss options available. If no alternative has been offered by a tour operator, customers may be able to claim from their credit card company if this was the method of payment for the trip.

Before you travel
If you are looking for advice on how swine flu influenza A (H1N1) might affect your travel plans and the cover provided under your 24/7 travel insurance policy, you should first consult the FCO’s travel advice for the country concerned to see if the FCO have advised against travel. You can access FCO travel advice by country by following the link http://www.fco.gov.uk/en/travelling-and-living-overseas/travel-advice-by-country/

The situation is changing rapidly. It’s vitally important that you check for the latest information just before you travel.

British nationals overseas
The FCO has provided a dedicated phone number 00 44 207 928 1010for all British nationals overseas to call if they become concerned about the current swine flu (HINI) outbreak. You can also keep up-to-date with the latest advice for British nationals overseas on the Foreign Office website.

24/7 travel insurance
If you have to change your travel dates, 24/7 travel insurance are able to amend dates without charge for single trip and Backpacker travel insurance policies but there are some caveats that apply, for example you must not have travelled and the rearranged travel dates must be within three months of the original date and for the same duration and destination. Any increase of the 24/7 travel insurance premium as a result of changing dates, destination or durations will be charged.

There is no refund of premium outside of the cooling off period.

What cover is provided under 24/7 travel insurance?

Cancellation/Curtailment:
If you contract swine flu before travel, whilst in UK, providing you are not aware that you have it at the time of booking the policy or holiday (whichever is earlier) you will be covered for cancellation.

If you become ill while overseas, and you are not aware that you were not aware that you have swine flu influenza A (H1N1) at the time of booking the policy or holiday (whichever is earlier) you will be covered for curtailment. Please note: Before curtailing a trip, contact must be made with the Emergency medical assistance services as shown in your 24/7 travel insurance policy.

Medical:
Cover is available for medical expenses if you travel to a country that the FCO is not advising against travel. You should follow the 24/7 travel insurance policy claims procedure in the usual way.

There is no cover for:
Disinclination to travel, for example, cancellation if you decide you do not want to travel.
Travel to a Country where the FCO has advised not to travel to due to swine flu.

Please note:
If this outbreak is raised to the official status of epidemic, 24/7 travel insurance policies, in line with most travel insurance policies include a General Exclusion.

Useful information

FCO website – http://www.fco.gov.uk/en/travelling-and-living-overseas/travel-advice-by-country/north-central-america/mexico
WHO website at http://www.who.int/csr/disease/swineflu/en/index.html
British Nationals in Mexico, who have an urgent consular issue should call the Embassy on (01 55) 5242 8500 for assistance
24/7 travel insurance– http://www.247travelinsurance.co.uk/